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I will try to keep this as short as possible, but have known to be long winded so I apologize if it ends up being long 
Anyway, I have been open for 5 years and have had my only current family the entire time. DH lost his job this past Friday. That means basically no income, no health insurance, etc! Thankfully they agreed to give him a small severance and will be paying him through the end of December. DH has been looking for a new job for over a month with no luck (we knew this was coming, his new boss was making a paper trail over the last almost 2 months so he could fire him - that's a long story).
Anyway, we can not survive on the income I make from 1 dck. We have 3 children ages 2,7,10. I am contemplating closing the daycare and substitute teaching to try to make at least a little more than I currently make. My heart breaks to think that I will have to put my baby in daycare and not be home with him during the day, but I would like to try to get my foot back in the door for teaching. Plus, unless I get at least 20 days of service credit in a public school this school year, I will lose my teacher's retirement membership (I was a teacher for 4 years). That means if I do teach again, I think I have to start again at a higher tier, which is not as good for the benefits.
Anyway, my concerns are that it is not guaranteed income, and after paying someone to watch my little one all day and my other 2 before/after school, I don't think I will come out that much further ahead than what I am now. I have been wanting to close due to being burned out and my heart just not being into doing daycare for at least the last year, but was going to try to make it until my youngest started kg, and then find a part-time daytime job. I don't want to jump into this though just so I can alleviate my feelings of burnout. I know ultimately my decision has to be made by me, but I have always respected the advice on this board, so I am hoping you can offer some ideas, positives, negatives, things I am not thinking of, etc. I also hate to abandon my dc family and leave them without child care in the middle of the school year, as I committed to watching her for the year.
Clearly at that time we could not predict something like this would happen but I still feel bad. It will most likely take at least a month to get an interview with the sub service program in our area, so I will most likely not even be able to start subbing until mid-Jan or later. What would you ladies (and gentlemen) do in my position? I am so stressed trying to figure out what to do!!
Anyway, I have been open for 5 years and have had my only current family the entire time. DH lost his job this past Friday. That means basically no income, no health insurance, etc! Thankfully they agreed to give him a small severance and will be paying him through the end of December. DH has been looking for a new job for over a month with no luck (we knew this was coming, his new boss was making a paper trail over the last almost 2 months so he could fire him - that's a long story).
Anyway, we can not survive on the income I make from 1 dck. We have 3 children ages 2,7,10. I am contemplating closing the daycare and substitute teaching to try to make at least a little more than I currently make. My heart breaks to think that I will have to put my baby in daycare and not be home with him during the day, but I would like to try to get my foot back in the door for teaching. Plus, unless I get at least 20 days of service credit in a public school this school year, I will lose my teacher's retirement membership (I was a teacher for 4 years). That means if I do teach again, I think I have to start again at a higher tier, which is not as good for the benefits.
Anyway, my concerns are that it is not guaranteed income, and after paying someone to watch my little one all day and my other 2 before/after school, I don't think I will come out that much further ahead than what I am now. I have been wanting to close due to being burned out and my heart just not being into doing daycare for at least the last year, but was going to try to make it until my youngest started kg, and then find a part-time daytime job. I don't want to jump into this though just so I can alleviate my feelings of burnout. I know ultimately my decision has to be made by me, but I have always respected the advice on this board, so I am hoping you can offer some ideas, positives, negatives, things I am not thinking of, etc. I also hate to abandon my dc family and leave them without child care in the middle of the school year, as I committed to watching her for the year.
Clearly at that time we could not predict something like this would happen but I still feel bad. It will most likely take at least a month to get an interview with the sub service program in our area, so I will most likely not even be able to start subbing until mid-Jan or later. What would you ladies (and gentlemen) do in my position? I am so stressed trying to figure out what to do!!
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